Call reports 2009
CITIZENS STATE BANK OF FINLEY, THE — 2009
What CITIZENS STATE BANK OF FINLEY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 94,863,000 | 101,499,000 | 109,011,000 | 111,439,000 |
| Total loans | 69,565,000 | 78,159,000 | 78,699,000 | 74,816,000 |
| Allowance for loan losses | 597,000 | 524,000 | 645,000 | 740,000 |
| Securities available for sale | 6,776,000 | 6,450,000 | 6,504,000 | 9,103,000 |
| Securities held to maturity | 8,177,000 | 9,056,000 | 8,486,000 | 10,831,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,924,000 | 69,209,000 | 77,370,000 | 79,140,000 |
| Interest-bearing deposits | 53,623,000 | 58,292,000 | 63,003,000 | 61,695,000 |
| Noninterest-bearing deposits | 12,301,000 | 10,917,000 | 14,367,000 | 17,445,000 |
| Equity capital | 9,002,000 | 9,135,000 | 9,573,000 | 9,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,258,000 | 2,663,000 | 4,091,000 | 5,516,000 |
| Interest expense | 490,000 | 938,000 | 1,332,000 | 1,711,000 |
| Net interest income | 768,000 | 1,725,000 | 2,759,000 | 3,805,000 |
| Noninterest income | 192,000 | 368,000 | 777,000 | 1,097,000 |
| Noninterest expense | 827,000 | 1,690,000 | 2,611,000 | 3,672,000 |
| Provision for loan losses | 30,000 | 70,000 | 190,000 | 290,000 |
| Pretax income | 103,000 | 344,000 | 746,000 | 938,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 103,000 | 344,000 | 746,000 | 938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,666,000 | 8,832,000 | 9,159,000 | 9,276,000 |
| Total capital | 9,263,000 | 9,356,000 | 9,804,000 | 10,016,000 |
| Risk-weighted assets | 72,530,000 | 75,724,000 | 78,446,000 | 75,589,000 |